Lowry Financial Advisors

Lowry Financial Advisors provides financial planning and wealth management advice to individuals and families and to pension and profit‑sharing plans, delivering services such as retirement planning, estate analysis, college planning, insurance review, and ongoing plan maintenance. The firm is a small, three‑advisor practice that organizes engagements primarily as project‑based planning or ongoing retainer relationships rather than as discretionary asset‑management accounts.

The firm’s advice is driven by planning tools and portfolio analysis—using Monte Carlo simulations, modern portfolio theory, and mutual‑fund‑based risk models (with stated fixed‑income exposures typically in the 20–60% range and an available socially responsible investing model). Lowry Financial does not provide discretionary portfolio management or charge percentage‑of‑AUM advisory fees; implementation of investment recommendations is often carried out through an affiliated broker‑dealer/registered investment adviser relationship, where commissions and trail (12b‑1) fees may apply (and in certain Commonwealth fee programs those 12b‑1 fees are credited back to clients).

Compared with many peers, the firm combines a planning‑centric business model with insurance licensing and related insurance activity alongside its advisory work, and it discloses the resulting conflicts and mitigation measures (Code of Ethics, written disclosures, and client choice to implement elsewhere). The combination of a small advisory team, an explicit absence of discretionary AUM management, and dual broker‑dealer/insurance affiliations are the most noteworthy aspects of its practice as presented in the brochure.